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The way lenders quote interest rates varies

It may be that there is more or less demand on a certain type of property or particular estates/areas

This product, which tends to be used by the self employed, is only for those taking advice from a suitably qualified financial adviser

Particularly furnishings and fittings,

Providing a combination of the security of knowing the maximum monthly cost for a set period with the opportunity to take advantage of any downward movement in the mortgage rates, this is a popular choice for many borrowers

Have there been any previous offers and what happened to the sale? Having had a previous buyer does not necessarily indicate that there is a problem with the property, but it does require investigation

This tends to be around £200 - £250 and becomes payable as soon a the reservation is made

Noise abatement orders

This can be an indication of overpricing, adverse surveys or valuations and point to future difficulties in selling

The earlier you contact them, the more sympathetic they are likely to be

The elements incorporated within the plan include cash, stocks and shares as well as insurance elements

Normally just complete a form online and a price is given

So ask and make it a condition of any offer

This may cover issues such as disputes with neighbours

A good starting point is to offer around 5% to 10% less than the asking price, although this greatly depends on market conditions

insurance and finance

These bonuses termed either annual or reversionary cannot be taken away

The amounts can range from a flat fee e

Normally the cashback is offered as a package of benefits e

You only get this if you qualify for income support

Life assurance cover is not always necessary in taking out this type of mortgage

Credit scoring assesses your personal circumstances and statistics to ascertain which broad category of borrower you fit in to

Read all the details on the specification sheet

The opportunity to access the investment proportion of your mortgage in the event of financial difficulties

This payment adjustment in many cases will not occur until the lender conducts the annual review of the loan account

Many lenders now offer specialist buy to let mortgages that allow private landlords to fix their interest payments for five years or more, providing you with some security over mortgage funding costs

Frequently they can be added to the mortgage hence the fee does not become an ‘out of pocket’ expense

The plan provider will then add bonuses to the individual plans at the year-end depending on the performance of the investments within the fund

6 months interest or repayment of the amount of benefit received, be it cashback or reduced interest

A recommendation of the building/rebuild insurance cover required should also be given